NZ Guide to Financial Freedom

After the cataclysmic effects of COVID-19 many businesses are now on the verge of collapse. A tail that didn't neccessarily have to end that way. I'm not suggesting every business could find a way out but knowledge is power and if you don't know your books you're booking yourself in for a unexpected upheaval. So that's what this episode is about; keeping your books and Accounting for a better futu...

Historically property has been the go to strategy for any New Zealander hoping to accumulate wealth. Though, now with ever increasing regulation, that door of opportunity could be slowly closing in. Further to that there has been one strategy almost always doomed to fail; can you guess what it is? --- Send in a voice message: https://anchor.fm/ryanjmelton/message

For far too long, the dark underbelly of the financial elite has crippled the progression of hard-working individuals. Their ill intentions and selfish pursuits have shrouded the idea of what constitutes sound, sane, and sensible financial advice. It's time we break the narrative and unravel the secrets that have lead to the greatest income disparity in human history. Join me as we embark on your...

The goal of this podcast is to give you the financial tools to live the life you want. Your version of a good life might be completely different to mine, but, I'm willing to play my hand in the hope that it'll help unfold yours. So if you've ever wondered about the story of the man behind the mic then here's your opportunity. It aint exactly sparkling, but, I suspect it will be entertaining. --- S...

There is an ever growing crisis in New Zealand where if the right steps aren't taken the majority of kiwis will be riding the edge of financial hardship in retirement. Simply put, will the NZ couple after tax pension of $32,000 a year be enough for you to live on or better yet can the government even fund it? I am not writing this to scare you or sell to you, but, instead to start the dialogue and...

Client acquisition is a pain point all business owners love to hate.  On some level, we all know how to do it but, over time, complacency creeps in, and laziness takes over to the point where our strategies are no longer the efficient vehicles they once were. This is where you dust yourself off and sharpen up your skills, because what we’re talking about is selling.  No, not the greasy-haired, use...

They have gotten a bad rep over the years. Some of the stories you hear suggest this perception could be justified. An elderly person desperate for support and safety make the ideal prospect for a would be scammer but are they actually being ripped off or are people just moving in for the wrong reasons? Guest Greg Moyle --- Send in a voice message: https://anchor.fm/ryanjmelton/message

In the last months of WWI, the New Zealand Expeditionary Forces spent 77 gruelling days in France. Leading the way for 49 of the 56 hard fought miles. Until they hit a wall. More specifically, the walls of Le Quesnoy. The walls of a town under German occupation. To ensure the least amount of damage to the town and potential loss of residents’ lives, our soldiers..  Listen to find out what happened...

In life, no matter how lucky you feel or privileged your background, at some point, things will get ugly.  So, the question becomes, what can you do to help? Guests  Greg Moyle  Ryan J Melton --- Send in a voice message: https://anchor.fm/ryanjmelton/message

More and more large corporations are exiting from the financial advice world, here's why. --- Send in a voice message: https://anchor.fm/ryanjmelton/message

 There's a silver lining to the global tragedy and it comes in the form of natural selection. Survival of the financial fittest. Those of you who  didn't put all your eggs in one basket, chase greed, buy into a get rich quick narrative and believed you could time the market will come out on top. Despite what news outlets want you to believe, fortune telling has no place in the making of sound, san...

Time and convenience are the two fundamentals of which all great products are based. Does it make your life better and will it get things done quicker? Just reflect on how awful your working life would be if your computer reverted back to dial up. Enough said. Time is money and money saves time.  So the question becomes where will the next big technological advancement come from? My guess is voice...

The short answer is nothing. When the hysteria bus takes over you’ll start developing this compelling urge to do something. Change your growth fund to a conservative or jump ship to another company not as badly impacted. Though it may have given you a sudden feeling of relief your finances won’t be thanking you. In my line of work we call this crystallising your loss. Lets say you made an amazing...

As you read this, the New Zealand Superannuation Fund (NZ Super) is currently costing the NZ Government close to $38 million a day, with the cost likely to increase to $117 million in the next twenty years. For many, this leaves the worrying question of whether there is going to be enough money to go around, particularly given that NZ Super is an inter-generational cost i.e children pay for their...

One of the first words any young New Zealander learns after 'mum' and 'dad’ is the word property. You’d think I was joking, but, for whatever reason, there’s this culturally ingrained need to generate our wealth through property. A strategy that has been successful for some and financially crippling for others. So it’s about time we start investing with our eyes open and calling it for what it is,...

 What happens when you get two men in a room talking about women? At first thought, you may consider dusting off your picket sign and hitting the streets. On second thought, you'll realise the intention of this episode is to add value and pose the question; why are far less women investing than men? It's not an easy question to answer and you run the risk of over-generalising the plight of the ind...

Teenagers from the outside appear to be zombie like creatures that navigate somewhere between the words whatever, I can’t be bothered or inaudible grunting. It’s very easy to disengage from their plight. Often the disengaged nature of their adolescence is tied with the labels of laziness or a lack of discipline. Though, as laid out in Professor Walker’s book why we sleep, it’s much closer to a har...

Investing is a bit of a taboo subject. Which to me is completely bizarre because if implemented correctly, it can irreversible improve your life for the better.  Where I believe the perception comes from, is people don’t differentiate between speculating and investing. Speculating is trying to predict the future with your little magic crystal ball or even betting on a hope that one company will ri...

The inspiration for this week’s episode stems from a recent discussion with someone I met at a bar who started a business. The business took off, winning award after award, and even got to the initial stages of becoming a franchise. My friend worked incredibly hard to get it up and running but, this took a toll on his energy levels and his marriage started to suffer. When you dedicate all your tim...

A humorous series of ups and downs where we unravel the mechanisms for living a rewarding and fulfilling life. A journey where you will not only learn top investment tips, business skills, and the financial blueprint for achieving the lifestyle of your choice, but, also, hear an honest account of what it took to build one of largest independent advising firms in the country. --- Send in a voice me...

A humorous series of ups and downs where we unravel the mechanisms for living a rewarding and fulfilling life. A journey where you will not only learn top investment tips, business skills, and the financial blueprint for achieving the lifestyle of your choice, but, also, hear an honest account of what it took to build one of largest independent advising firms in the country. --- Send in a voice me...